TellerScore

Plumbers & Fitters Local 675 Federal Credit Union is a federal credit union headquartered in Honolulu, Hawaii, in business for about 39 years. At the end of Q2 2026 it reported $2.3M in total assets and $1.9M in member shares and deposits, with 3 offices.

Based on its Q2 2026 filing, Plumbers & Fitters Local 675 Federal Credit Union scores 67/100, which we describe as moderate. That is higher than only 34% of 2,479 credit unions with under $100 million in assets. Among 45 credit unions headquartered in Hawaii, it ranks 35th. Its strongest component is capital cushion (100/100; 20.05%), and its lowest is loan quality (0/100; 6.55%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 20.05%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 6.55%
Earnings73/100
Return on assets (annualized): 1.32%
Funding & liquidity90/100
Loans ÷ shares: 17.5% · 24.1% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.57%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (64 → 67), mostly because the earnings component improved by 20 points.

TellerScore
636975Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202466
Q4 202469
Q1 202575
Q2 202564
Q3 202568
Q4 202569
Q1 202663
Q2 202667
Net worth ratio
7.00%13.53%20.05%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202416.09%
Q3 202416.14%
Q4 202416.04%
Q1 202515.78%
Q2 202516.91%
Q3 202517.35%
Q4 202517.91%
Q1 202618.74%
Q2 202620.05%
Delinquent loans (60+ days)
0.48%6.03%11.58%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 202411.58%
Q3 202410.73%
Q4 20247.07%
Q1 20250.48%
Q2 20254.20%
Q3 20252.98%
Q4 20255.32%
Q1 20263.61%
Q2 20266.55%
Return on assets
-1.53%0.01%1.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.41%
Q3 20241.34%
Q4 20241.54%
Q1 2025-1.53%
Q2 20250.82%
Q3 20251.32%
Q4 20251.48%
Q1 20260.69%
Q2 20261.32%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$2.3M20.05%6.55%1.32%17.5%
Q1 202663$2.4M18.74%3.61%0.69%19.2%
Q4 202569$2.5M17.91%5.32%1.48%20.2%
Q3 202568$2.5M17.35%2.98%1.32%21.9%
Q2 202564$2.5M16.91%4.20%0.82%23.0%
Q1 202575$2.6M15.78%0.48%-1.53%24.4%
Q4 202469$2.6M16.04%7.07%1.54%25.0%
Q3 202466$2.5M16.14%10.73%1.34%26.1%
Q2 202467$2.5M16.09%11.58%1.41%23.4%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio20.05%
77th
Problem loans6.55%
4th
Net charge-offs7.77%
1st
Return on assets1.32%
80th
Loans to deposits17.5%
96th
Uninsured deposits24.1%
1st
Loan-loss reserves0.00%
37th
Texas ratio4.6%
32nd

Similar-size credit unions in Hawaii

InstitutionScoreAssetsCapitalProblem loansCompare
Glover Federal Credit UnionCredit union Honolulu, HI92 out of 100, Very strong$2.6M34.5%0.00%vs
Kahuku Federal Credit UnionCredit union Kahuku, HI40 out of 100, Below average$7.7M14.0%9.24%vs
Local Union 1186 Ibew Federal Credit UnionCredit union Honolulu, HI69 out of 100, Moderate$12.8M14.9%1.98%vs
Ewa Federal Credit UnionCredit union Ewa Beach, HI86 out of 100, Very strong$13.1M23.9%0.65%vs
Hamakua Federal Credit UnionCredit union Pepeekeo, HI90 out of 100, Very strong$23.4M14.5%0.38%vs
Onomea Federal Credit UnionCredit union Papaikou, HI90 out of 100, Very strong$26.0M18.3%0.46%vs

Deposit insurance

Is my money safe at Plumbers & Fitters Local 675 Federal Credit Union?

Yes. Plumbers & Fitters Local 675 Federal Credit Union is a federally insured credit union (NCUA charter #24284). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 24.1% of shares and deposits ($450K) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 20.05%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Plumbers & Fitters Local 675 Federal Credit Union lists 3 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Plumbers & Fitters Local 675 Federal Credit Union
Type
Federal credit union
NCUA charter #
24284
RSSD ID
354495
Primary regulator
NCUA
Established
1987
Headquarters
1109 Bethel St Lowr Level, Honolulu, HI 96813
Employees
3

Quick answers

Plumbers & Fitters Local 675 Federal Credit Union: common questions

Is Plumbers & Fitters Local 675 Federal Credit Union NCUA insured?

Yes. Plumbers & Fitters Local 675 Federal Credit Union is a federally insured credit union (NCUA charter #24284). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Plumbers & Fitters Local 675 Federal Credit Union's TellerScore?

67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Plumbers & Fitters Local 675 Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

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